Stock in Storage Insurance
Specialist stock in storage insurance trusted by customers across the UK since 2011. Flexible cover from one day to a full year, with annual policies available from just £18.23 and instant online proof of insurance arranged in minutes. Ideal for business stock, retail stock, e-commerce stock, Amazon and eBay sellers, online retailers, seasonal stock and surplus stock stored in professional self storage facilities across the UK. Many customers also store stock alongside equipment, tools, furniture or business goods in the same unit, and our policy can cover mixed contents stored together in professional storage facilities.
Key Points – Stock in Storage Insurance
Specialist Insurance for Stock in Storage
Since 2011 we have been providing specialist storage insurance trusted by businesses across the UK. Cover can start from just a single day or run for a full year, making it ideal for retail stock, online seller stock, spare stock, seasonal stock and general business goods stored in professional storage facilities.
What Your Stock in Storage Is Covered For
Our stock in storage insurance protects stored business stock against specified insured events including fire, smoke damage, theft following forcible and violent entry, storm damage, flooding, escape of water from burst pipes, impact by insured external causes and malicious damage, subject to the policy wording, terms, conditions and exclusions. General accidental damage to goods while in storage is not included.
Suitable for Many Types of Business Stock
Suitable for online retailers, Amazon sellers, eBay sellers, market traders, importers, wholesalers and small businesses storing stock in self storage units. This includes boxed goods, packaged stock, retail items, spare stock, seasonal stock and general business merchandise.
Extra Benefits Included at No Extra Cost
Every policy includes £2 million public liability insurance as standard. Policies also include instant online documents, flexible cover from 1 day to 365 days, limited goods in transit cover while transporting stock directly to or from the storage facility, and pro-rata refunds if goods are removed earlier than planned.
How Much Does Our Self Storage Insurance Cost?
£10,000 of Cover from as Little as 25p a Day
Our self storage insurance is priced to stay competitive while remaining flexible. For example, insuring £10,000 worth of contents for a full 12 months costs just £90.54, which works out at around 25p per day for comprehensive protection and included public liability cover.
Annual cover is available from just £18.23 per year, making it one of the most affordable ways to insure items kept in self storage when compared to standard home insurance extensions or storage facility policies.
With £2 million public liability included as standard, pro-rata refunds if you move out early, and instant online quotes and documents, Quote Monkey offers excellent value self storage insurance trusted by customers across the UK since 2011.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
What Affects the Price of Your Policy
Storage Location – Some postcodes carry higher or lower risk for flood or theft.
Duration of Cover – Choose from 1 to 365 days; longer policies often work out cheaper per day.
Type of Goods – High-value items like jewellery, fine wine, or artworks may require tailored terms.
Ways to Keep Your Premium Low
Choose a well-maintained storage facility with strong security measures.
Select the correct sum insured — enough to replace your items but not over-estimating their value.
Instant Quotes and Flexible Payments
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
What Your Goods Are Covered For
Comprehensive Protection for Stored Contents
Our self storage insurance protects your belongings against many of the most common and costly risks faced by items in storage. Cover is in force whether your unit is occupied or unoccupied and applies to a wide range of personal and business contents.
Fire and Smoke Damage – Cover may apply if fire or smoke damages insured goods.
Theft or Attempted Theft – Cover may apply following theft involving forcible and violent entry, subject to the policy security requirements.
Storm and Flood – Cover may apply where an insured storm or flood event damages stored goods.
Burst Pipes or Escape of Water – Cover may apply to sudden escape of water from fixed water or heating installations.
Impact Damage – Cover may apply where an insured external impact event damages the storage premises or stored goods.
Vandalism or Malicious Damage – Cover may apply where insured goods are maliciously damaged by a third party.
Limited Goods in Transit Cover – Limited cover may apply during qualifying direct journeys to or from the insured storage location. All cover is subject to the policy wording, schedule, terms, conditions, limits and exclusions.
Illustrative Claim Scenarios
Electrical Fire: A neighbouring unit suffers an electrical fault that starts a fire, causing smoke and heat damage to correctly declared insured stock. A claim may be covered subject to the policy terms, conditions, limits and exclusions.
Storm Flooding: An insured storm or flood event allows water into the unit and damages cartons of stock. A claim may be covered where the cause falls within an insured event, subject to the policy terms, conditions, limits and exclusions.
Break-in and Theft: Thieves gain entry to the insured storage premises and unit by forcible and violent means and steal correctly declared stock. A claim may be covered subject to the policy security requirements, terms, conditions, limits and exclusions.
Vehicle Impact: A delivery vehicle strikes the storage building and damages boxed stock inside. A claim may be covered where the incident falls within the insured impact event, subject to the policy terms, conditions, limits and exclusions.
These scenarios are illustrative only. Whether a claim is covered depends on the cause and circumstances of the loss and the applicable policy wording, schedule, terms, conditions, limits and exclusions.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
Specialist Cover for Students
Peace of Mind During Holidays and Gap Years
Perfect for university and college students who need to store their belongings during the summer holidays, a year abroad, or while moving between accommodation. Our self storage insurance covers clothing, books, furniture, computers, and personal electronics against fire, theft, flood, storm and more.
Policies can be arranged in the student’s own name, a parent’s name, or jointly—making it simple to keep possessions safe even if someone else is paying the premium.
Whether storing for a few weeks or the entire academic year, our flexible policies and pro-rata refunds mean you only pay for the cover you need.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
Types of Goods We Can Cover
Flexible Protection for Personal and Business Items
Whether you’re storing household contents, business stock, or specialist collections, our self storage insurance is designed to meet a wide range of needs. Cover applies whether you rent a professional self-storage unit, use a private storage room, or keep goods in a secure wooden crate or similar facility.
Household Contents – Furniture, furnishings, clothing, electrical appliances, books, and everyday possessions kept safe during a house move or long trip.
Business Property – Office furniture, archived documents, spare equipment, and retail stock that is stored but not used for trading inside the unit.
Valuables and Collectibles – Jewellery, gold, silver, coins, medals, stamps, fine wine, vintage watches, and other high-value personal collections (subject to underwriting approval and correct itemisation).
Art and Antiques – Paintings, sculptures, antiques, and bespoke artworks requiring specialist cover.
Bicycles and Sporting Equipment – Bicycles, electric bikes, sports gear, and leisure equipment kept securely between uses.
Tools and Equipment – Hand tools, power tools, and professional equipment for personal or business storage, provided the unit itself is not used as a workplace.
Typical Example Claims
Fine Wine Fire Damage: A fire at the insured storage facility causes smoke and heat damage to a correctly declared collection of fine wine. A claim may be covered subject to acceptance of the items and the policy terms, conditions, limits and exclusions.
Jewellery Theft: Thieves gain entry by forcible and violent means and steal correctly declared jewellery. A claim may be covered subject to the policy security requirements, terms, conditions, limits and exclusions.
Artwork or Antique Fire Damage: A fire at the insured storage facility damages a correctly declared artwork or antique. A claim may be covered subject to acceptance of the item and the policy terms, conditions, limits and exclusions.
Bicycle or E-Bike Theft: A qualifying bicycle is stolen following forcible and violent entry. A claim may be covered subject to the policy terms, security requirements and the maximum payable limit of £1,000 for any individual bicycle.
Business Stock Water Damage: Water enters a storage unit following an insured event and damages cartons of retail stock. Whether the loss is covered depends on the cause of the water damage and whether it falls within an insured event, subject to the policy terms, conditions, limits and exclusions.
Tools or Equipment Loss: Correctly declared tools or equipment are stolen following forcible and violent entry. A claim may be covered subject to the policy security requirements, terms, conditions, limits and exclusions.
All example claims are subject to the insured items being correctly declared and accepted under the policy. High-value goods such as jewellery, artwork, fine wine and specialist collections may require individual specification, additional security measures or underwriting approval. Any claim remains subject to the applicable policy terms, conditions, exclusions and limits.
Whatever you need to store—whether everyday possessions or valuable investments—Quote Monkey can arrange cover for specified insured risks, subject to the policy wording, schedule, terms, conditions, limits and exclusions.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also review our frequently asked questions before arranging cover.
Public Liability Insurance – Included as Standard
Essential Protection Required by Many Storage Facilities
Many professional storage facilities require customers to carry public liability insurance as part of their terms and conditions. This cover can respond if you are legally liable for accidental injury to a third party or accidental damage to third-party property in connection with the insured storage risk, subject to the policy terms, conditions, exclusions and applicable limits. Unlike some providers that charge extra or treat this as an optional add-on, Quote Monkey includes £2 million public liability cover as standard with every storage insurance policy. Each storage provider sets its own requirements, so you should confirm that the cover meets your facility’s requirements.
What Public Liability Insurance Covers
Third-Party Injury – Cover may respond if you are legally liable for accidental injury to a third party in connection with the insured storage risk.
Property Damage – Cover may respond if you are legally liable for accidental damage to third-party property in connection with the insured storage risk.
Legal Defence Costs – Relevant legal defence costs may be covered where the policy responds, subject to its terms, conditions, exclusions and limits.
Typical Example Claims
Trip and Fall Incident: A friend helping you move items trips over a box left outside the unit and suffers an ankle injury. If you are found legally liable, the claim may be covered subject to the policy terms, conditions, exclusions and limits.
Damage to Neighbouring Unit: A shelving unit inside your storage space collapses and damages goods stored in the unit next door. If you are found legally liable, the claim may be covered subject to the policy terms, conditions, exclusions and limits.
More Example Claims
Water Damage Claim: A water leak from an appliance stored in your unit seeps into a neighbouring space and damages furniture. If you are found legally liable, the claim may be covered subject to the policy terms, conditions, exclusions and limits.
Accidental Vehicle Impact: While manoeuvring a small vehicle in the loading area, you accidentally damage another customer’s car. Cover would depend on the circumstances, whether you are legally liable and whether the policy responds, subject to its terms, conditions, exclusions and limits.
With £2 million public liability insurance automatically included, you have protection where you are legally liable for covered accidental injury or accidental third-party property damage connected with the insured storage risk, subject to the policy terms, conditions, exclusions and applicable limits.
Limited Goods in Transit – What’s Included
Important: This Is Not Comprehensive Transit Insurance
Our storage policy includes limited protection for qualifying insured property, including qualifying business stock, during qualifying direct journeys to or from the insured storage location. It is not designed to be full goods-in-transit insurance. Cover applies only to the specified insured events and remains subject to the policy wording, schedule, terms, conditions, limits and exclusions.
Where and When Transit Cover Applies
Covered Property: Qualifying insured property, including qualifying business stock, as shown in the policy wording and Schedule.
Covered Period: During the Period of Insurance shown on your Schedule.
Covered Vehicles: While goods are within an enclosed car or commercial road vehicle.
Covered Journeys: Qualifying direct transit to the Self-Storage Location shown on your Schedule from any UK location; or qualifying direct transit from that Self-Storage Location to any location within the British Isles.
Fire
What is covered: Damage caused by fire affecting the transporting vehicle or the goods inside.
Example Claim: A sudden engine fire in an enclosed removal vehicle causes smoke and heat damage to insured stock during a qualifying direct journey. A claim may be covered subject to the transit cover terms, conditions, limits and exclusions.
Road Traffic Accident
What is covered: Damage where the conveying enclosed car or commercial road vehicle is also damaged.
Example Claim 1: During a qualifying direct journey to a self-storage facility, the enclosed removal van is involved in a road traffic accident and is itself damaged. Insured goods inside the vehicle are also damaged. A claim may be covered subject to the transit cover terms, conditions, limits and exclusions.
Example Claim 2: During a qualifying direct journey from the insured storage location, an enclosed commercial road vehicle carrying insured business stock is involved in a road traffic accident and is itself damaged. A claim for damage to the stock may be covered subject to the transit cover terms, conditions, limits and exclusions.
Theft
What is covered: Theft where entry to or exit from the vehicle was effected by forcible and violent means.
Example Claim: During a qualifying direct journey to the insured storage location, thieves force open the rear doors of an attended, enclosed commercial road vehicle and steal insured business stock. A claim may be covered subject to the transit cover terms, conditions, limits and exclusions.
Key Exclusions and Limits
No cover if the conveying enclosed car or commercial road vehicle was unattended at the time of the loss.
Monetary Limit: We do not cover more than £10,000 or your sum insured, whichever is the less.
Loading and Unloading: General accidental damage during loading or unloading is not automatically covered.
Scope Reminder: This is a limited benefit and does not replace a comprehensive goods-in-transit policy for removals or commercial haulage.
Making a Claim
Notify Us Immediately of any event which might give rise to a claim under this section.
Hold Liable Responsible Parties – any carrier, bailee or third party in line with their terms of trade.
Provide a Written Report of the event to us as soon as possible.
Notify the Police promptly of any vandalism, malicious acts, theft or attempted theft involving the insured property.
Cover always applies subject to the full policy wording and the limits and conditions set out on your quotation, Schedule and Policy Document. If you require broader protection for removals or commercial transport, please contact us to discuss a dedicated goods-in-transit policy.
Policy Ownership – What Name Should the Policy Be In and Why It Matters
Ensuring the policy is taken out in the correct legal name is essential. In the event of a claim, the insured name on your policy must match the legal owner of the goods to help ensure that any settlement can be paid without unnecessary delay. If you are unsure which name to use—especially for shared ownership, business-owned goods, or items held on behalf of another party—our team can guide you during the quotation process.
Policies can be issued in a wide range of names including individuals, joint names, families, partnerships, limited companies, charities, trusts, estates, management companies, residents’ associations, and in some cases pension or SIPP arrangements, depending on the ownership of the goods being insured.
You can also ask for interested parties to be noted on the policy where appropriate, such as another individual, a joint owner, a lender, a bank, a finance company, a storage provider, or another organisation with a financial interest in the insured property.
If you need an interested party to be shown, there is a box on the online application form where these details can be added. This helps make sure the policy reflects the ownership and financial interest arrangements correctly from the outset.
Get Insured Instantly – Free Online Quote
Our instant online system allows you to get a quote and purchase your policy in minutes. You can also use the application form to add any relevant interested party details where required.
If you have any queries relating to our Self Storage Insurance please contact us and we will get back to you as soon as possible. You may also find useful information on the Self Storage Insurance FAQs page and the Self Storage Insurance news page.
Frequently Asked Questions About Self Storage Insurance
Below are answers to some of the most common questions about self storage insurance in the UK, including cover limits, policy duration, valuables in storage and how claims work.
Other Types of Storage Insurance We Offer
Explore our specialist storage insurance options for different items and storage needs across the UK:
Storage Insurance for Different Needs
We provide flexible storage insurance for a wide range of situations including moving house, student storage, business storage, short term storage and more.
Self Storage Insurance in Other UK Locations
We provide self storage insurance for customers across the UK, including the following major towns and cities: